Challenger banks
July 2025
3rd in cohort
Allica Bank
July 2025 debenture analysis for Allica Bank. Challenger banks cohort, ranked 3rd.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 65 | 90 | 110 | 102 | -8% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Allica Bank | 10.4 | £1.2m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 42 |
| Food & beverage services | 7 |
| Retail trade | 7 |
| Financial services | 6 |
| Building construction | 6 |
Top Regions
| Region | Count |
|---|---|
| South East | 25 |
| London | 19 |
| South West | 11 |
| Midlands | 11 |
| Scotland | 10 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 08/07/2025 | ANDREWS EXCAVATIONS | 22.3 yrs | South East | Land transport & logistics | Mar-2025, Trade Debtors: £16k, Debts: £2.2m, Net Assets: £18.2m, Staff: 1 |
| 31/07/2025 | MSL LABOUR LTD | 3.5 yrs | London | Office & business support | Mar-2025, Turnover: £29.4m, Trade Debtors: £2.8m, Net Assets: £3.1m, Staff: 2 |
| 11/07/2025 | LAWSON MOTOR COMPANY | 49.1 yrs | North West | Wholesale & retail trade | Dec-2024, Turnover: £24.3m, Trade Debtors: £177k, Debts: £266k, Other debts: £214k |
| 16/07/2025 | KINGS MONKTON SCHOOL | 6.7 yrs | Wales | Education | Aug-2024, Trade Debtors: £51k, Net Assets: £577k, Staff: 123, Est PBT: £311k |
| 02/07/2025 | BEAVER CHILDCARE LIMITED | 17.5 yrs | East Midlands | Education | Jan-2025, Trade Debtors: £5k, Debts: £388k, Net Assets: £196k, Staff: 120 |
| 30/07/2025 | PREMIUM QUALITY FOODS | 27.9 yrs | South East | Wholesale trade | Dec-2024, Net Assets: £6.5m, Staff: 16, Est PBT: £63k |
| 16/07/2025 | M & D H INSURANCE SERVICES | 22.7 yrs | East of England | Insurance & pensions | Dec-2024, Turnover: £6.8m, Trade Debtors: £990k, Debts: £1.2m, Net Assets: £2.2m |
| 21/07/2025 | DESKLODGE LTD | 17.8 yrs | South West | - | Dec-2024, Trade Debtors: £86k, Other debts: £2.5m, Net Assets: £2.1m, Staff: 11 |
| 30/07/2025 | GHAI & CO. LIMITED | 22.7 yrs | London | Building construction | Dec-2024, Debts: £1.7m, Net Assets: £2.6m, Staff: 7, Est PBT: £25k |
| 11/07/2025 | NEXT STEP DEVELOPMENTS | 14.5 yrs | South East | Real estate | Dec-2024, Net Assets: £2.0m, Staff: 1, Est PBT: £46k |